{"id":20544,"date":"2020-01-29T15:41:13","date_gmt":"2020-01-29T15:41:13","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=20544"},"modified":"2023-12-28T13:19:53","modified_gmt":"2023-12-28T13:19:53","slug":"making-sure-your-portable-equipment-insurance-pays-out","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/making-sure-your-portable-equipment-insurance-pays-out","title":{"rendered":"Making sure your portable equipment insurance pays out"},"content":{"rendered":"
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\"Portable<\/figure>\n<\/div>\n\n\n

Light fingers can be lightning quick in relieving you of your possessions. One brief lapse of attention and poof…they’re gone.<\/p>\n\n\n\n

If you\u2019re unlucky enough to fall victim to thieves, and you have your work laptop, phone, camera, or something else stolen while you\u2019re out and about, you\u2019ll want to claim for a new one asap.<\/p>\n\n\n\n

That’s presuming you’ve been sensible enough to cover your kit<\/a> with portable equipment insurance, of course. If you have, it’s at this point that your insurer or broker will ask you for two influential bits of info: <\/p>\n\n\n\n

1. \u2018Where was it (the thing)?\u2019<\/p>\n\n\n\n

and <\/p>\n\n\n\n

2. \u2018Where were you (in relation to the thing)?\u2019 <\/p>\n\n\n\n

They\u2019re after reassurance you didn\u2019t make the thief\u2019s life easy by being unduly careless. In insurance language, they\u2019ll want you to confirm that the property was in your \u2018care, custody and control\u2019.<\/p>\n\n\n\n

And if they\u2019re not convinced, your portable equipment insurance claim could go nowhere fast. As with most things in life, you need to do what you can to help yourself.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Out of sight, out of (your) mind<\/strong><\/h2>\n\n\n\n

Now, there\u2019s an obvious problem with this. Keeping an eye on everything, all the time, isn\u2019t always possible. Especially when staring intently at one gizmo means your attention is focused entirely on that one thing, not on your other equipment.<\/p>\n\n\n\n

Thankfully, decent insurers are matter-of-fact enough to appreciate that\u2019s often the case and they\u2019ll do what they can to help. <\/p>\n\n\n\n

But that doesn\u2019t mean you shouldn\u2019t be vigilant. Not that we want you to look at everyone<\/em> around you with suspicion like they’re a potential thief. But it pays to be on your guard.<\/p>\n\n\n\n

It might sound odd, but thinking about what you\u2019d do if you didn\u2019t<\/em> have insurance is sometimes a good thing. It helps you to err on the side of caution.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Ways to keep your kit safe and get your portable equipment insurance claim paid<\/h2>\n\n\n\n

These tips may sound obvious, but it’s always worth being reminded of simple ways to make sure your gear stays in your hands rather than someone else’s. Also, things you can do to keep your insurer sweet and ensure your portable equipment claim is paid. <\/p>\n\n\n\n